Products & Services
Dan Calabrese offers a complete line of insurance and financial services. These products and services are designed to provide solutions to your personal and business financial needs, including:
Medicare - Get your FREE QUOTE
Medicare is always changing. We have access to all of the major companies that offer Medicare Supplement Insurance in Ohio. People who currently have Medicare Supplements have likely seen some increases to their premiums. Although most companies are raising their rates, there are some who are not. Learn which ones by contacting us today.
Medicare Supplement Basics
Medicare Supplemental Insurance is a policy provided by private insurance companies that fill the gaps in coverage that your basic Medicare Part A and Medicare Part B do not cover. Parts A and B, while covering close to 80% of your medical bills and expenses certainly do not cover them all. There are gaps in the coverage and that is why sometimes a Medicare Supplemental Insurance plan will be called a Medigap policy, because it is designed to cover the gaps that Medicare parts A and B do not. The gaps that a Medicare supplemental insurance policy will cover include deductibles, co pays, and a lot of other various expenses. All of these little expenses added up can add up to quite the financial headache if not covered properly.
Life Insurance - Get your FREE QUOTE
Protect What Matters Most!
Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more. If your considering securing you and your family’s financial future just click the "Request A Free Consultation" button at the top of the screen. We would be happy to review your current situation and offer a few ideas on how you can protect it!
Types of Life Insurance:
Term Insurance, the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage. Permanent Insurance, by contrast provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
If you don't see what you need, please let us know. Your business is very important to us. If you have questions or would like to know about all the policies that we offer please contact our office.
Long Term Care - Get your FREE QUOTE
Long Term Care insurance gives you the opportunity to stay at home and protect your family from the strain of being full time informal care givers. Leave it up to a professional to attend to your needs, and let your family spend time with you, allowing them to continue their lives as well as your own.
Planning for Long Term Care:
People often put off planning for long-term care because they do not want to think about a time when they might need it. Most people first learn about long-term care when they or a loved one needs care. However, if you wait until you need services to start planning, your options may be limited. You may not be able to find the information you need to make decisions. You may not have the money you need to pay for the services you want. Or you may have to rely on your family or others to make decisions for you.
Planning helps you understand:
If you don't see what you need, please let us know. Your business is very important to us.
If you have questions or would like to know about all the policies that we offer please contact our office.
Medicare - Get your FREE QUOTE
Medicare is always changing. We have access to all of the major companies that offer Medicare Supplement Insurance in Ohio. People who currently have Medicare Supplements have likely seen some increases to their premiums. Although most companies are raising their rates, there are some who are not. Learn which ones by contacting us today.
Medicare Supplement Basics
Medicare Supplemental Insurance is a policy provided by private insurance companies that fill the gaps in coverage that your basic Medicare Part A and Medicare Part B do not cover. Parts A and B, while covering close to 80% of your medical bills and expenses certainly do not cover them all. There are gaps in the coverage and that is why sometimes a Medicare Supplemental Insurance plan will be called a Medigap policy, because it is designed to cover the gaps that Medicare parts A and B do not. The gaps that a Medicare supplemental insurance policy will cover include deductibles, co pays, and a lot of other various expenses. All of these little expenses added up can add up to quite the financial headache if not covered properly.
Life Insurance - Get your FREE QUOTE
Protect What Matters Most!
Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more. If your considering securing you and your family’s financial future just click the "Request A Free Consultation" button at the top of the screen. We would be happy to review your current situation and offer a few ideas on how you can protect it!
Types of Life Insurance:
Term Insurance, the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage. Permanent Insurance, by contrast provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
If you don't see what you need, please let us know. Your business is very important to us. If you have questions or would like to know about all the policies that we offer please contact our office.
Long Term Care - Get your FREE QUOTE
Long Term Care insurance gives you the opportunity to stay at home and protect your family from the strain of being full time informal care givers. Leave it up to a professional to attend to your needs, and let your family spend time with you, allowing them to continue their lives as well as your own.
Planning for Long Term Care:
People often put off planning for long-term care because they do not want to think about a time when they might need it. Most people first learn about long-term care when they or a loved one needs care. However, if you wait until you need services to start planning, your options may be limited. You may not be able to find the information you need to make decisions. You may not have the money you need to pay for the services you want. Or you may have to rely on your family or others to make decisions for you.
Planning helps you understand:
- 1. Services available for your family and in your community
2. Special conditions such as age or income that may apply for receiving services
3. Costs of the services
4. Public or Private payment options available
If you don't see what you need, please let us know. Your business is very important to us.
If you have questions or would like to know about all the policies that we offer please contact our office.
